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其他国际资讯

三家值得关注的fintech数据分析创企

其他国际资讯

三家值得关注的fintech数据分析创企

利用大数据的金融机构必须要从许多不同的数据中获取有意义的分析。

针对这一需求,几家帮助银行和金融机构分析另类数据和其他数据的创企慢慢涌现出来。

Medici发现自2008年以来监管规定改变数量增加了500%。这为SaaS(软件即服务)创企提供了机会,帮助金融机构分析数据并高效低成本地满足不断变化监管的要求。以下是Bank Innovation这个月关注的3家创企。

1. Hexanika

Hexanika是一家为金融机构提供数据管理和汇报解决方案的公司。他们的软件使用一种可以对不同格式的数据进行整理分析的算法。底层支持是开源数据计算软件Hadoop。Hexanika的软件没有特定运行环境需求,可以与银行现有架构兼容。他们帮助银行降低监管成本并避免不合规引发的巨额罚款。该公司预计银行自2008年金融危机以来已经付了3000亿美元的罚款。这家公司由Yogesh Pandit于2014年在纽约成立。Pandit之前是德意志银行的高级咨询师和花旗银行金融工程部副经理。Hexanika向金融机构提供他们的解决方案,帮助他们利用人工智能来达到变化的合规要求。该公司最新一轮风险融资(2017年9月)从风险基金Fintech71那获得了10万美元。

2. MindBridge Analytics

MindBridge平台利用人工智能和机器学习侦查金融数据中"反常的行为模式、非故意错误和故意财务误报"。这款审计软件自动分析处理数据,帮助会计识别风险。所有处理过的数据会有一个风险值,任何需要进一步调查的交易将被标出。该平台希望利用AI补充广泛使用的计算机辅助审计技术。创业老手Eli Fathi于2015年在渥太华创立MinBridge,他同时也是CEO。4月,该公司在A轮融资中获得840万美元。

3.Harvesting

Harvesting就是大数据和分析在金融和其他领域有着无限使用案例的最好例证。这家SaaS提供商让农业价值链中的参与方通过数据搜集、分析和汇报可以审视、分析并管理他们的农业气候相关商业风险。简单来说Harvesting将农民与融资连接起来。农业、卫星和其后数据经过机器学习算法处理后获得的分析结果可以用来申请农作物保险或检查农民的信用度。Harvesting解决方案的主要市场是印度和非洲。Ruchit Garg于2016年在纽瓦客创立该公司。去年,Harvesting从关注金融包容性的早期加速器基金Catalyst Fund那获得了一笔未知金额的风险融资。

利用数据获得更深入了解对银行是利好,因为关注自动化、合规和数据分析的fintech创企、银行在大数据fintech革命中不会被落下。银行和金融机构应该利用数据获得在内部行为和产品方面获得更多认识、降低风险并作出更好的决定。大数据只会越来越大。面对此,金融服务界挑战和机遇并存。

Financial institutions harnessing the power of big data must glean meaningful insights from many disparate data sets. Several startups helping banks and financial institutions make sense of data, alternative and otherwise, have emerged. The regulatory environment has intensified substantially lately. Medici found that there has been a 500% increase in regulatory rule changes since 2008. This has created an opportunity for SaaS startups to help financial institutions make sense of data and comply with these increasing regulations in a cost-efficient manner. Here are three startups mining data for banks that Bank Innovation is watching this month:

1. Hexanika

Hexanika is a data management and reporting solution for financial institutions. Their software uses an algorithm that can source and ingest data in multiple formats to normalize datasets. The Saas is powered by Hadoop, an open-source data computation software. It is agnostic and can work with banks of existing architecture. This regtech startup is helping banks cut regulatory costs and skirt hefty fines for non-compliance. Hexanika estimates that banks have paid $300 billion in fines since the 2008 financial crisis. New York-based Hexanika was founded in 2014 by Yogesh Pandit, formerly a senior consultant for Deutsche Bank and senior vice president of Citibank’s finance re-engineering program. With the help of Cincinnati-based startup catalyst, Cintrifuse, the company is providing their solutions to big banks and helping them keep pace with data regulation. The company’s latest venture round funding (September 2017) secured $100,000 from venture fund Fintech71.

2. MindBridge Analytics

MindBridge’s platform uses AI and ML to detect “anomalous patterns of activities, unintentional errors and intentional financial misstatements” in financial datasets. The auditing software will automate ingestion and analysis of data and help accountants identify risk. A risk score is generated for all data processed and will flag transactions that need to be investigated. By using AI, the platform hopes to serve as the update to widely used computer-assisted audit techniques (CAAT). Serial entrepreneur Eli Fathi serves as the CEO of the Ottawa, Ont.-based company, founded in 2015. In April MindBridge secured $8.4 million in Series A funding.

3. Harvesting

There is perhaps no better example that big data and analytics has an infinite number of use cases in finance and beyond than looking at the work of Harvesting. The SaaS provider allows stakeholders in an agriculture value chain to view, analyze and manage their agri-climatic business risk via data collection, data analysis, and data reporting.” More simply put Harvesting connects financing to farmers. Agronomic data, as well as satellite and weather data, are processed with ML algorithms, insights can them be applied for crop insurance and to access the creditworthiness of farmers. The market for Havesting’s solutions is primarily India and Africa. Ruchit Garg founded Harvesting, based in Newark, Calif., in 2016. Last year the company received an undisclosed amount of venture round funding from Catalyst Fund, an early stage accelerator interested in financial inclusion.

Leveraging datasets for deeper insights will be a boon for banks, and thanks to fintech startups committed to automation, compliance, and analytics of data banks won’t be left behind in the big data fintech revolution. Banks and financial institutions are tasked with using data to gain better insights, to mitigate risk, and make more sound decisions from internal practices and consumer-facing products. Big data is only growing larger it presents both risks and rewards for financial services.

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